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Overview

Although a traditional medical plan covers everyday health care expenses, if you or a family member is seriously ill or injured, you could end up with expenses and additional costs you might not expect.

You can buy extra financial protection through supplemental insurance plans, which offer a cash benefit directly to you (unless otherwise assigned) — in addition to your medical plan benefits — to help ease the financial burden. If you enroll for this coverage, you pay the full cost on a before-tax basis.

Xerox offers three different types of supplemental insurance — group accident insurance, group critical illness insurance, and group hospital indemnity insurance. You may choose to enroll in one or more than one of these plans.

Keep in mind

On their own, these plans don’t provide comprehensive medical coverage for your day-to-day health care needs. Rather, they’re intended to supplement the coverage provided by your primary medical plan.

 

Group Accident Insurance

Accident insurance through Aflac helps protect you from unexpected financial stress if you or a covered family member has an accident. If you are injured – on or off the job – this coverage pays cash benefits to help with out-of-pocket expenses. You can use this money to help pay for expenses not paid for by your medical plan (such as your deductible or coinsurance) or for anything else (such as everyday living expenses).

The amount of the benefit you receive depends on the type of injury or service you experience, including dislocations or fractures, doctor services, physical therapy, emergency room treatment, and ambulance services.

You have two options for coverage:

Low High
  • HOSPITAL CONFINEMENT (maximum of 180 days per accident, within 6 months after the accident): $100 per day
  • HOSPITAL INTENSIVE CARE (maximum of 15 days per accident, within 6 months after the accident): $100 per day
  • Up to $1,500 for dislocations and up to $2,000 for fractures
  • HOSPITAL CONFINEMENT (maximum of 180 days per accident, within 6 months after the accident): $200 per day
  • HOSPITAL INTENSIVE CARE (maximum of 15 days per accident, within 6 months after the accident): $200 per day
  • Up to $3,000 for dislocations and fractures
 

Group Critical Illness Insurance

When a serious illness strikes, critical illness insurance through Aflac can provide financial support to help you through a difficult time. If you or a covered family member experiences a covered critical illness – such as cancer, heart attack, or stroke – you will be eligible for a lump-sum cash benefit, which can be used toward out-of-pocket expenses, coinsurance, or everyday living expenses such as housekeeping services, special transportation services, and child care.

Choose from two benefit coverage options:

  • $15,000 benefit amount
  • $30,000 benefit amount

The benefit is paid directly to you, unless otherwise assigned, and you can receive this benefit in addition to any other coverage, like your primary medical plan. Note that covered dependents receive 50% of the employee benefit amount.

A bonus for preventive care

To encourage you to get your preventive care, critical illness insurance also provides a $50 health screening benefit for health screening tests performed while an insured’s coverage is in force (for employee and spouse only), even if preventive care is already covered 100% by your medical plan. This benefit is not paid for dependent children.

 

Group Hospital Indemnity Insurance

A trip to the hospital can be stressful, and so can the bills. Even with a medical plan, you may be responsible for copays, deductibles, and other out-of-pocket costs. Offered through Aflac, hospital indemnity insurance can help offset your share of the cost by providing a cash benefit if you or a covered family member is hospitalized due to a covered sickness or for injuries received in a covered accident. Use this money to help cover hospital stays, ambulance service, surgery, and certain inpatient or outpatient treatments.

You have two options for coverage:

Low High
  • HOSPITAL ADMISSION BENEFIT per confinement (once per covered sickness or accident per calendar year for each insured): $1,000
  • $150 per day for hospital ongoing care (up to 31 days)
  • $150 per day for intensive care (up to 10 days) (paid in addition to daily hospital care)
  • HOSPITAL ADMISSION BENEFIT per confinement (once per covered sickness or accident per calendar year for each insured): $3,000
  • HOSPITAL CONFINEMENT per day (maximum of 31 days per confinement for each covered sickness or accident for each insured): $300
  • HOSPITAL INTENSIVE CARE BENEFIT per day (maximum of 10 days per confinement for each covered sickness or accident for each insured): $300
Also covers pregnancy.

The benefit is paid directly to you, unless otherwise assigned, and you can receive this benefit in addition to any other coverage, like your primary medical plan.

The voluntary Accident, Critical Illness, and Hospital Indemnity Insurance plans are provided as a convenience to you and are not sponsored or endorsed by Xerox. Therefore, they are not considered ERISA benefit plans.

Accident, Critical Illness, and Hospital Indemnity Insurance are underwritten by Continental American Insurance Company (CAIC), a proud member of the Aflac family. CAIC is not licensed to solicit business in New York, Guam, Puerto Rico, or the Virgin Islands. This is a brief description of coverage and is not a contract. Read your certificate carefully for exact terms and conditions. AGC2001842  EXP 9/21